Expand into eNotes

The key is in the e ...

Our journey to eNotes is finally complete – all we need is you! As of July 1, Federal Home Loan Bank of Des Moines is accepting residential mortgage eNotes (Electronic Promissory Notes) as collateral – saving you time and money.

Experience all eNotes has to offer. Below you will find ways to educate, explore and begin enrollment.

Educate (eNotes)

What is an eNote?

WHAT AN eNOTE IS: WHAT AN eNOTE IS NOT:
A promissory note executed and signed electronically and stored in an eVault. A scanned image of a wet-ink signature.

eNote Benefits

Faster Funding Icon
 

Faster funding

Reduced Shipping Fees
 

Reduced shipping and storage fees

Fewer Errors
 

Fewer errors

Improved audit trail
 

Improved audit trail

Borrower Review
 

Borrower can review loan documents prior to closing

Faster Signing Process
 

Faster and easier signing process

Collateral Type Wet-Ink Notes eNotes
1-4 Family Residential First Mortgage Loan 1101 3101
1-4 Family Residential First Mortgage Loan – Nontraditional Loan 1102 3102
1-4 Family Residential First Mortgage Loan – Subprime Loan 1103 3103
Government Insured – VA Home Loan 1203 3203
Government Insured – FHA Home Loan 1205 3205
1-4 Family Residential Home Equity Mortgage Loan 1414 3414

Explore eNotes

Requirements and Guidelines

Understand the requirements and specifications for ensuring eNotes meet the legal, technological and operational requirements necessary to electronically create valid, enforceable and transferable loan obligations or effectively service loans and comply with the FHLB Des Moines Collateral Procedures.

Review the Full eNotes Requirements and Guidelines

Helpful links for understanding requirements

eNotes Resources

View our eNotes educational resources to learn more.

LEARN MORE

Collateral Quarterly Newsletter

Sign up for our Collateral Quarterly eNewsletter for eNotes updates as well as other collateral-related news and information.

eNotes Enrollment

Are you ready to take the next step?

We’re here to walk you through set-up and answer any questions you might have.

VIEW eNOTES READINESS CHECKLIST

CONTACT US TODAY!